--- title: "Redwood Credit Union Rates: Auto 4.59%, HELOC 6.13%, Mortgage 7.00%" description: "Redwood Credit Union rates today: 30 year fixed mortgage 7.00% APR, auto loans from 4.59% APR, HELOC from 6.13% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Redwood Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/redwood" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Redwood Credit Union Rates: Auto 4.59%, HELOC 6.13%, Mortgage 7.00% ### Mortgage rates 35 offers | Product | Published | Rate | Term / condition | Status | | **Jumbo 30-Year Fixed** 30 year fixed | 7.000% APR | 7.000% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | 7.125% APR | 7.125% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.125% APR | 7.125% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.250% APR | 7.250% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.625% APR | 6.625% | — | Standard | | **15-Year Fixed, Refinance** 15 year fixed | 6.625% APR | 6.625% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 6.625% APR | 6.625% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 6.750% APR | 6.750% | — | Standard | | **15-Year Fixed, Refinance** 15 year fixed | 6.750% APR | 6.750% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.750% APR | 6.750% | — | Standard | | **15 Year Fixed High Balance** 15 year fixed | 7.375% APR | 7.375% | — | Standard | | **3y/6m Adjustable Jumbo** arm | 5.750% APR | 5.750% | — | Standard | | **5y Adjustable Jumbo** arm | 5.875% APR | 5.875% | — | Standard | | **3y/6m Adjustable Jumbo** arm | 5.875% APR | 5.875% | — | Standard | | **5y Adjustable Jumbo** arm | 6.000% APR | 6.000% | — | Standard | | **3y/6m Adjustable** arm | 6.000% APR | 6.000% | — | Standard | | **7y/6m Adjustable Jumbo** arm | 6.000% APR | 6.000% | — | Standard | | **3y/6m Adjustable** arm | 6.125% APR | 6.125% | — | Standard | | **7y/6m Adjustable Jumbo** arm | 6.125% APR | 6.125% | — | Standard | | **5y Adjustable** arm | 6.250% APR | 6.250% | — | Standard | | **7y/6m Adjustable** arm | 6.375% APR | 6.375% | — | Standard | | **10-Year Fixed, Refinance** 10 year fixed | 6.375% APR | 6.375% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.375% APR | 6.375% | — | Standard | | **5y Adjustable** arm | 6.375% APR | 6.375% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.500% APR | 6.500% | — | Standard | | **10-Year Fixed, Refinance** 10 year fixed | 6.500% APR | 6.500% | — | Standard | | **7y/6m Adjustable** arm | 6.500% APR | 6.500% | — | Standard | | **10y/6m Adjustable Jumbo** arm | 6.500% APR | 6.500% | — | Standard | | **10y/6m Adjustable** arm | 6.625% APR | 6.625% | — | Standard | | **10y/6m Adjustable Jumbo** arm | 6.625% APR | 6.625% | — | Standard | | **10y/6m Adjustable** arm | 6.750% APR | 6.750% | — | Standard | | **20-Year Fixed, Refinance** 20 year fixed | 6.750% APR | 6.750% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.750% APR | 6.750% | — | Standard | | **20-Year Fixed, Refinance** 20 year fixed | 6.875% APR | 6.875% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.875% APR | 6.875% | — | Standard | Redwood Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 8 offers | Product | Published | Rate | Term / condition | Status | | **36-Month New Auto Loan** auto_new_36mo | 4.590% APR | 4.590% | 36 mo · new | Standard | | **36-Month Used Auto Loan** auto_used_36mo | 4.840% APR | 4.840% | 36 mo · used | Standard | | **60-Month New Auto Loan** auto_new_60mo | 4.890% APR | 4.890% | 60 mo · new | Standard | | **72-Month New Auto Loan** auto_new_72mo | 5.190% APR | 5.190% | 72 mo · new | Standard | | **60-Month Used Auto Loan** auto_used_60mo | 5.390% APR | 5.390% | 60 mo · used | Standard | | **72-Month Used Auto Loan** auto_used_72mo | 5.690% APR | 5.690% | 72 mo · used | Standard | | **84-Month New Auto Loan** auto_new_84mo | 5.690% APR | 5.690% | 84 mo · new | Standard | | **84-Month Used Auto Loan** auto_used_84mo | 6.190% APR | 6.190% | 84 mo · used | Standard | Redwood Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 8 offers | Product | Published | Rate | Term / condition | Status | | **3y/6m Adjustable Refi** heloc_variable | 6.125% APR | 6.125% | — | Standard | | **3y/6m Adjustable Refi** heloc_variable | 6.250% APR | 6.250% | — | Standard | | **5y Adjustable Refi** heloc_variable | 6.375% APR | 6.375% | — | Standard | | **5y Adjustable Refi** heloc_variable | 6.500% APR | 6.500% | — | Standard | | **7y/6m Adjustable Refi** heloc_variable | 6.500% APR | 6.500% | — | Standard | | **7y/6m Adjustable Refi** heloc_variable | 6.625% APR | 6.625% | — | Standard | | **10y/6m Adjustable Refi** heloc_variable | 6.750% APR | 6.750% | — | Standard | | **10y/6m Adjustable Refi** heloc_variable | 6.875% APR | 6.875% | — | Standard | Redwood Credit Union heloc rates as of November 12, 2026 ### Other rates 9 offers | Product | Published | Rate | Term / condition | Status | | **A card for every occasion** other | 4.590% % | 4.590% | — | Standard | | **Name : 36 Months** other | 4.590% % | 4.590% | — | Standard | | **Name : 60 Months** other | 4.890% % | 4.890% | — | Standard | | **Name : 72 Months** other | 5.190% % | 5.190% | — | Standard | | **Name : 84 Months** other | 5.690% % | 5.690% | — | Standard | | **Term : 36 Months** other | 8.490% % | 8.490% | — | Context only | | **Term : 60 Months** other | 9.990% % | 9.990% | — | Context only | | **Term : 72 Months** other | 10.190% % | 10.190% | — | Context only | | **Term : 84 Months** other | 12.540% % | 12.540% | — | Context only | Redwood Credit Union other rates as of November 12, 2026 As of November 12, 2026, Redwood Credit Union offers a 30-year fixed mortgage at 7% APR (0.25 points). Auto loans available from 4.59% APR for 36 months. HELOC rates from 6.125% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/redwood) , verified from [Redwood Credit Union's official website](https://www.redwoodcu.org/) Best product position **Better than the California median** HELOC Gap to state best **13 bp** 13 bp from state best Vs. state median **88 bp better than median** HELOC Products ranked **5** across tracked California markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.00% | Better than the California median | 46 bp from state best | 17 bp better than median | | new-car loan | 4.59% | Better than the California median | 60 bp from state best | 66 bp better than median | | used-car loan | 4.84% | Better than the California median | 60 bp from state best | 66 bp better than median | | HELOC | 6.13% | Better than the California median | 13 bp from state best | 88 bp better than median | | 15-year fixed mortgage | 6.63% | Better than the California median | 46 bp from state best | 13 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Redwood Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=redwood&state=california&code=CA&name=Redwood%20Credit%20Union) Loading branch locator… ## About Redwood Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 417.4K Assets $9.9B Founded 1950 Locations reported 24 NCUA charter 60793 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Corporate America Family** Santa Rosa · Santa Rosa · CA · 95403 About 1.8 miles away](https://rateapi.dev/credit-unions/illinois/corporate-america-family) [**First Technology** Santa Rosa PSC · Santa Rosa · CA · 95403-0179 About 2.1 miles away](https://rateapi.dev/credit-unions/california/first-technology) [**Community First** Fulton · Santa Rosa · CA · 95403 About 3.6 miles away](https://rateapi.dev/credit-unions/california/community-first) [**Patelco** SANTA ROSA · Santa Rosa · CA · 95401 About 3.6 miles away](https://rateapi.dev/credit-unions/california/patelco) [**Sonoma** Sonoma Federal Credit Union · Santa Rosa · CA · 95404-4110 About 4.6 miles away](https://rateapi.dev/credit-unions/california/sonoma) [**Silverado** Silverado St. Helena Office · Saint Helena · CA · 94574-1860 About 15.3 miles away](https://rateapi.dev/credit-unions/california/silverado) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Redwood Credit Union Membership eligibility from Redwood Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Redwood Credit Union's website. Check the membership page below to confirm whether you qualify. - Location sonoma, marin, napa, mendocino, lake, san francisco, solano, contra costa — CA Verified from [Redwood Credit Union's membership page](https://www.redwoodcu.org/about/membership/become-a-member/) . Final membership determination is always made by the credit union. ## Membership rules for Redwood Credit Union Geography 8 counties · Family 25 published paths to membership, last verified November 8, 2026, quoted from Redwood Credit Union’s own published criteria. ### Geography 8 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Contra Costa County, CA - Lake County, CA - Marin County, CA - Mendocino County, CA - Napa County, CA - San Francisco County, CA - Solano County, CA - Sonoma County, CA “You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.” > [source ↗](https://www.redwoodcu.org/about/membership/become-a-member/) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member family “Family members of current RCU Members can also join and benefit!” > [source ↗](https://www.redwoodcu.org/about/membership/become-a-member/) - Family member (family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Redwood Credit Union? Yes No ## Work at Redwood Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Redwood Credit Union ranks against California peers. - See which AI assistants fetched Redwood Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=redwood&state=california&code=CA&name=Redwood%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Redwood Credit Union offer? Redwood Credit Union currently offers mortgage, Auto loan, and HELOC rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Redwood Credit Union rates updated? RateAPI verifies Redwood Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Redwood Credit Union's rate data? Rate data is collected directly from Redwood Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Redwood Credit Union's mortgage rate? As of November 12, 2026, Redwood Credit Union offers a 30-year fixed mortgage at 7% APR. ### What are Redwood Credit Union's auto loan rates? As of November 12, 2026, Redwood Credit Union offers auto loans from 4.59% APR. ### What is Redwood Credit Union's HELOC rate? As of November 12, 2026, Redwood Credit Union offers home equity lines of credit from 6.125% APR. ### Who can join Redwood Credit Union? Redwood Credit Union publishes its membership criteria on its own website. RateAPI tracks 25 published membership paths covering 8 counties for Redwood Credit Union, each quoted from Redwood Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Redwood Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California mortgage rate leaders](https://rateapi.dev/mortgage-rates/california) [California auto loan rate leaders](https://rateapi.dev/auto-loan-rates/california) [California HELOC rate leaders](https://rateapi.dev/heloc-rates/california) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.redwoodcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Redwood Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Redwood Credit Union curl "https://api.rateapi.dev/credit-unions/california /redwood " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Redwood Credit Union locations Search, filter, and browse all 24 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/redwood Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp